Indiana student medical insurance is a necessary requirement for most full-time students. Rates are generally very affordable and often, purchasing a private student health insurance plan is the best option. You can easily request a quote at the top of the page. Most plans can be kept short-term or ling-term, depending on your specific need.

We represent the top Indiana insurers and offer the lowest available published rates for college, university and graduate students in the state. Plans from Anthem Blue Cross, UnitedHealthcare, Medical Mutual, Assurant, and Celtic are provided that will include comprehensive benefits at the most reasonable cost. There are also options for international students who may be visiting the state.

Office Visit Coverage

All policies include recognized preventive services that are covered at 100%. An annual routine physical would have no waiting period and no out of pocket expenses. Other office visits are covered with small copays, typically ranging from $25 to $40. Depending on the policy, specialist office visits are also covered.

Prescription Coverage

Prescription coverage is included on most student medical insurance plans in Indiana. Although it is often a better option to pay generic drugs out of pocket, usually there is a copay available in the event of an expensive generic drug. Non-generic or “brand name” drug costs are the most expensive, so it’s important to review the specific benefits on personal student plans.

Indiana College And University Requirements For Students

Each college and university in the state has their own requirements. Whether you’re attending Indiana State, Notre Dame, Ball State, IU, a community college or a specialized medical or trade school, you probably will be required to purchase medical coverage. Some university plans are cheap and some aren’t. Some college plans offer great benefits and others don’t. Perhaps that’s where we can help most. When you view free quotes on our website, it will be easy to compare the best available student medical plans with the plans offered by the school.

Advantages Of Having Your Own Plan

Selecting your own plan can have many advantages. Of course, the premium may be lower, which will provide a healthy savings over the years you are required to keep coverage. But the coverages on a policy you purchase may be substantially different than a school-provided policy. Often, the major medical and prescription benefits are much greater which would be critical if you have a major illness or accident.

Also, purchasing your own private plan will likely provide a much broader network of covered physicians and hospitals. For example, UnitedHealthcare extends throughout the entire US…not just in-state. Medical Mutual and Anthem Blue Cross also have large Networks. Many University-sponsored student health insurance plans in Indiana may require you to use campus or local facilities.

Will A Private Student Plan Satisfy The Requirements That I Have To Meet?

If you are required to have medical coverage through a university or school, often there are several “requirements” you must meet. It may be meeting a specific maximum deductible, or a specified benefit your policy must have, such as preventive or mental illness coverage. Each university or school requirement is different and we’ll take the time to determine what coverages you must have and what the least expensive way is for you to show proof that you have them.

There will be instances when the plan offered to you from where you are taking classes, will be a “better deal.” It may be because of specific existing health conditions or the offer you receive is just too good to turn down. Part of our job is to help you understand your choices so that you can obtain the most student coverage at the least possible cost. Request your free quote at the top of the page.